With most lenders / banks a new loan pre approval letter is valid for 90 days from the date of initial mortgage application. Buyers commonly ask “what happens after the 90 days period is up” Basically after the 90 day expiration period the loan officer will want to talk to the applicant to discuss any recent changes. Have you changed employment, has your income changed, etc ? They will also likely update the credit report on file to insure no drastic changes have occurred in regards to new debt or credit score. Once this complete, they will issue a new pre approval letter with a new date good for another 90 days. The entire process takes less than 10 min complete. This 90 day rule pretty much applies to all Government – USDA, FHA, VA mortgage and Conventional loans as well.
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